Introduction
Adira Finance, a leading multifinance institution in Indonesia, is seeking a dedicated Petugas Remedial (Collection) to join our dynamic Bima branch. This role is pivotal in ensuring the timely collection of overdue accounts receivable, supporting the company’s cash flow stability and reinforcing our reputation for financial integrity. Candidates will work within a collaborative environment that values professionalism, continuous improvement, and a customer‑centric mindset. Whether you are a fresh graduate eager to start a career in finance or a professional with prior collection experience, this position offers a clear pathway for growth and skill development.
Responsibilities
- Manage the end‑to‑end collection process for all A/R overdue accounts, ensuring deadlines are met and compliance standards are upheld.
- Conduct proactive outreach to delinquent borrowers via phone, email, and written correspondence, employing courteous yet firm negotiation techniques.
- Analyze customer payment histories and credit profiles to tailor collection strategies that maximize recovery while preserving customer relationships.
- Maintain accurate and up‑to‑date records of collection activities in the company’s CRM system, documenting promises to pay, settlement agreements, and any escalations.
- Collaborate with internal teams—including Credit, Legal, and Customer Service—to resolve disputes, verify documentation, and initiate legal actions when necessary.
- Prepare daily, weekly, and monthly performance reports highlighting collection rates, outstanding balances, and key risk indicators for senior management.
- Identify trends in delinquency, propose process improvements, and assist in the development of preventative measures such as early warning alerts.
- Adhere to all regulatory and internal compliance requirements, including data privacy and anti‑money‑laundering (AML) guidelines.
- Participate in regular training sessions to stay current on industry best practices, negotiation techniques, and changes in financial legislation.
Requirements
- Minimum education: D3 or S1 in any discipline; candidates with a high school (SMA/SMK) background are also considered if they demonstrate strong aptitude.
- Open to fresh graduates; however, at least one year of relevant collection or credit experience is a distinct advantage.
- Maximum age: 30 years.
- Solid understanding of multifinance business processes and a results‑driven attitude.
- Excellent interpersonal and communication skills, with proven negotiation ability.
- High integrity, resilience, meticulous attention to detail, and honesty in all dealings.
- Proficiency in Microsoft Office (Excel, Word) and familiarity with collection management software.
- Ability to work Monday through Saturday, 08:00–16:00, at the Adira Finance Bima office.
- All genders are welcome to apply.
Benefits
- Competitive monthly salary with performance‑based incentives.
- Comprehensive health insurance covering medical, dental, and vision care.
- Paid annual leave, sick leave, and national holidays.
- Professional development budget for certifications, workshops, and seminars.
- Opportunities for career advancement within Adira Finance’s nationwide network.
- Employee assistance program providing counseling and wellness resources.
- Modern office facilities, including a comfortable break area and ergonomic workstations.
- Transportation allowance or company‑provided shuttle service for commuting.
About Company
Adira Finance is one of Indonesia’s most trusted non‑bank financial services providers, offering a broad range of credit solutions such as motor vehicle financing, consumer loans, and equipment leasing. With a strong focus on responsible lending, the company serves millions of customers across the archipelago, empowering them to achieve their personal and business goals. Adira Finance prides itself on fostering a culture of transparency, innovation, and social responsibility. By joining our Bima branch, you become part of a forward‑thinking team that values each employee’s contribution and invests in long‑term professional growth.
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